XPonential

09/22/2017

Powerful reminder of how things are not always what they appear...

07/07/2017

I remember Oregon Trail! Interesting that they feel the need to further define the generations...

06/16/2017

I wouldn't normally share something with language like this (note there are a few swears), however, it has a powerful message about parenting today...

There was a kid running at the neighborhood pool the other day. The pool attendant asked him to walk — as pool attendants have done since…

06/12/2017

"Children are made readers on the laps of their parents" - Emilie Buchwald ~~ this also applies to their financial literacy.

11/24/2016

Don't let Black Friday make you feel like this...!

11/17/2016

How to Mend Your Broken Credit

If you have overextended yourself with credit card debt, or have consolidated all of your consumer debt into your mortgage, or are at the point where you just want to cancel your credit cards, we have the 3 steps for you to follow to get your credit back in check:
http://ow.ly/z5JN306hTJd
1. DO NOT CANCEL ALL YOUR CARDS
It may seem tempting, but money lenders want to see that you can handle your credit responsibly. Instead keep your 2 oldest credit cards (trade lines). The longer you have had your trade line, the better it is for your credit.
2. FOLLOW THE 2/2/2 RULE
The 2/2/2 rule means that money lenders want to see 2 trade lines, for 2 years with a minimum of a $2,000 limit. These cards need to be paid on time each month, and they also need to stay within that $2,000 limit!
3. USE WITH CARE-REGULARLY
The 2 trade lines you keep need to be actively in use. If you are concerned about consumer debt, then have a monthly bill such as your cell phone, cable, or even Netflix charge billed to your credit card. Then have that credit card paid automatically each month from your bank account.

10/28/2016

Interesting... seems counter intuitive sometime since we want to rescue our kids from hardship...

10/27/2016

Book recommendation: Better Than Before; Gretchen Rubin. Very insightful about personalities and how we form habits. This is always closely linked to finances and how we handle money.

10/20/2016

Maturity:
- The ability to do a job whether or not you are supervised.
- Finish a job once you start it.
- Carry money without spending it.
- Bear an injustice without wanting to get even.
~ by Joyce Irvine

10/19/2016

Retreat - San Francisco February 19, 2017
http://ow.ly/DAQx305l9Pk

10/13/2016

Well said...

10/03/2016

Keeping Family and Business Separate (click on link to view blog article) http://ow.ly/3Snq304OOxr